Richmont General Insurance Services

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Richmont General Insurance Services

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Truckers Commercial Auto Program

Richmont General Insurance Services offers a focused Truckers Commercial Auto Program built for independent owner-operators and small to mid-sized fleets. As an experienced managing general agency in the commercial auto space, Richmont understands the operational and liability exposures truckers face and packages Auto Liability, Physical Damage, and Motor Truck Cargo coverages to help protect vehicles, cargo and business income. The program is designed for fast turnaround and easy placement so you can get clients covered quickly.

Ideal Accounts and Appetite

Richmont primarily targets owner-operators who take good care of their equipment and maintain safe driving records, plus smaller fleets with steady operations and verifiable insurance history. Typical fits include:

Independent owner-operators with clean MVRs
Small to mid-sized fleets (single truck up to ~20 units) with stable operations
Accounts with at least two years of prior insurance
Fleets that can provide current loss runs and MVRs at submission

Example fit: You might have a client running a three-truck reefer operation within a 300-mile radius in California. With a completed quick-quote packet and current loss runs, Richmont can typically provide a fast, competitive quote and package the necessary coverages.

Coverage Highlights and Advantages

The Truckers Commercial Auto Program bundles primary coverages commonly required by trucking clients and offers agent-friendly service features:

Package options for Auto Liability, Physical Damage and Motor Truck Cargo
Monoline options available for Motor Truck Cargo, Physical Damage and General Liability
Same-day quoting and indications for qualified submissions
Direct bill options to simplify premium collection
Flexible territory/radius choices: 100, 300, 500 miles, 12 Western States or 48-state operations
Competitive commission structure for appointed agents
Underwriting tailored to owner-operators and smaller fleets

Underwriting Notes and Submission Requirements

To speed underwriting and improve quote accuracy, include the following with your submission:

Completed Quick Quote Form
Current Motor Vehicle Reports (MVRs) for drivers
At least two years of prior insurance history
Loss runs required at binding; fleets should provide loss runs with the quote

Minimum premiums vary by risk characteristics and coverages selected. Richmont underwrites each account individually, so timely and complete documentation helps secure the best terms.

Territories and Availability

This Truckers Commercial Auto Program is currently available in California. Richmont can place accounts on admitted or non-admitted paper depending on the carrier and risk characteristics. Flexible radius options let you quote local, regional, or near-national operations within the program’s territory limits.

Why Work With Richmont General Insurance Services

As a specialized Managing General Agency, Richmont combines trucking expertise with fast service and clear communication. Their underwriting teams focus on practical, market-oriented solutions for owner-operators and small fleets, helping you place business efficiently and keep clients protected. You can start the placement process by calling (888) 282-9893 or visiting the Truckers Commercial Auto Program page.

Frequently Asked Questions

What types of accounts are a good fit for this program?

The program is best for independent owner-operators and small to mid-sized trucking fleets with at least two years of prior insurance and a clean or manageable loss history.

Is same-day quoting available?

Yes — Richmont offers same-day quotes and indications for qualified submissions when you provide complete documentation (Quick Quote Form, MVRs, and required loss runs).

What coverage options are included in the package?

The core package includes Auto Liability, Physical Damage, and Motor Truck Cargo. Monoline options and additional liability products are available depending on account needs.

What territories does the program cover?

The program is available in California with flexible radius options; some accounts can be quoted for broader operations up to 48-state territory based on underwriting and carrier availability.

What documents are needed to submit a quote?

Submit a completed Quick Quote Form, current MVRs, and loss runs. Fleets must include loss runs with their quote request; loss runs are required at binding.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Agency

Admitted:

All Available States

Carriers:

Carrier Ratings:

A-

Commission:

12%

Min Premium:

Varies

Coverages:

Commercial Fleet Auto Physical Damage Insurance Intermediate Trucking Physical Damage Insurance Large Trucking Fleets Physical Damage Insurance Local Trucking Physical Damage Insurance Long Haul Trucking Insurance (Physical Damage Only) Long Haul Trucking Physical Damage Insurance Physical Damage Only/Truckers Insurance Truck Physical Damage Insurance Truckers Physical Damage Insurance Trucking, Long Haul (Physical Damage Only) Insurance

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Richmont General Insurance Services has other insurance programs like Motor Truck Cargo and Physical Damage Program.

Richmont General Insurance Services

Richmont General Insurance Services

Hi, !

Truckers Commercial Auto Program

Ideal Accounts and Appetite

Coverage Highlights and Advantages

Underwriting Notes and Submission Requirements

Territories and Availability

Why Work With Richmont General Insurance Services

Frequently Asked Questions

What types of accounts are a good fit for this program?

Is same-day quoting available?

What coverage options are included in the package?

What territories does the program cover?

What documents are needed to submit a quote?

U.S. States Available